BlastPoint's Credit Union Scorecard

BEE

Charter #9893 · MD

<100M

2508 CUs in <100M nationally 27 in MD

BEE faces 5 concerns requiring attention

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.49% below tier average
- Delinquency rate 0.97% above tier average
- Member decline: -3.5% YoY
- Net Charge-Off Rate: Bottom 5.9% in tier
- Members Per Employee (MPE): Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	996 -3.5% YoY-1.9% QoQ	-1.7K	2,676 +1.6% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	28%
Assets	$7.8M -1.1% YoY+0.6% QoQ	$-22.4M	$30.2M +1.3% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	27%
Loans	$2.8M -7.5% YoY-4.5% QoQ	$-12.5M	$15.3M -2.0% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	23%
Deposits	$6.0M -1.5% YoY+0.9% QoQ	$-19.7M	$25.8M +0.7% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	26%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.3% -238.1% YoY-278.8% QoQ	-0.5%	0.1% -77.6% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	15%
NIM	4.0% -2.5% YoY-5.4% QoQ	+0.0%	4.0% +4.0% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	85.5% +3.2% YoY+12.2% QoQ	-5.2%	90.6% +6.5% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	59%
Delinquency Rate	2.5% -56.2% YoY-10.8% QoQ	+1.0	1.5% +3.8% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	Bottom 14.8% in tier
Loan To Share	45.9% -6.1% YoY-5.4% QoQ	-12.6%	58.5% -3.0% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	30%
AMR	$8,848 +0.0% YoY+1.0% QoQ	$-6K	$14,884 -1.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	22%
CD Concentration	11.2% +111.1% YoY+19.1% QoQ	-13.1%	24.3%	21.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

421

Net Worth Ratio

risk

Value: 21.93%

Peer Median: 14.28%

#421 of 2508 Top 16.7% in <100M tier

Top Weaknesses (8 metrics)

2362

Net Charge-Off Rate

risk

Value: 2.20%

Peer Median: 0.07%

#2362 of 2508 Bottom 5.9% in <100M tier

2337

Members Per Employee (MPE)

engagement

Value: 110.667

Peer Median: 333.750

#2337 of 2508 Bottom 6.9% in <100M tier

2139

Total Delinquency Rate (60+ days)

risk

Value: 2.47%

Peer Median: 0.65%

#2139 of 2508 Bottom 14.8% in <100M tier

2129

Return on Assets (ROA)

profitability

Value: -0.34%

Peer Median: 0.61%

#2129 of 2508 Bottom 15.2% in <100M tier

2069

Fee Income Per Member

profitability

Value: $7.91

Peer Median: $60.42

#2069 of 2508 Bottom 17.5% in <100M tier

1953

Loan-to-Member Ratio (LMR)

engagement

Value: $2,784

Peer Median: $4,923

#1953 of 2508 Bottom 22.2% in <100M tier

1947

Average Member Relationship (AMR)

engagement

Value: $8,848

Peer Median: $13,926

#1947 of 2508 Bottom 22.4% in <100M tier

1931

Total Loans

balance_sheet

Value: $2.77M

Peer Median: $9.48M

#1931 of 2508 Bottom 23.0% in <100M tier